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What is my credit score or credit rating?

Your credit score or credit rating is a number credit reference agencies give to you when assessing how good or limited your credit history is. This number doesn’t always represent your eligibility for a credit card, as lenders have their own way of evaluating the credit rating for each borrower by looking at their credit history.

If you'd like to know more about credit scores and ratings take a look at our webpage on understanding your credit history or have a look at our factsheet PDF

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